look, two weeks ago in the cr we passed a law that president obama signed. quote, prior to making such credits and deductions available, the secretary shall certify that the exchanges verify such eligibility consistent with the requirements of the act. here's the question. are we really verifying at the front end whether a person is actually eligible for these subsidies or not? and here's why this matters. if they're not eligible for the subsidy and then once we reconcile these records, they get taxed the money back off of their refund. and so this is what i mean when i say rude awakenings. people are signing up for insurance. they're getting tax credit subsidies funded by taxpayers. the irs is already telling us they're confused about how to do this. you're not telling us whether or not you're proactively determining whether, say, an under 26-year-old is actually eligible for the subsidies you're trying to sell them and the problem is once we learn whether or not they were eligible and if they weren't, people in good faith will be signing up for subsidies t